Cabarrus County property record for 6495 Harbor Dr, Concord, NC 28025
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,081 sqft · built 2005 |
| Lot Size | 0.18 acres (7,803 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,428 (2023) |
| Deeds & Mortgages | Feb 2023 Line of Credit Jan 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 09006A0066.000000 |
| Primary APN | 09006A0066.000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,081 sqft Living Area |
| Gross Area | 6,336 sqft |
| 1st Floor Area | 2,081 sqft |
| Basement Area | 2,145 sqft |
| Finished Basement | 1,267 sqft |
| Unfinished Basement | 878 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 7,803 sqft (0.18 acres) |
| Lot Dimensions | 51 ft deep x 153 ft wide |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 2,816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 889 sqft |
| Deck Area | 501 sqft |
| Patio Area | 501 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 160770 |
|---|---|
| Street Address | 6495 HARBOR DR |
| City | CONCORD |
| State | NC |
| Zip | 28025-9491 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Description | P/O LT 24 LAKE SHORE ESTATES |
| Legal Subdivision | LAKE SHORE ESTATES |
| Legal Lot Number | 24 |
| Jurisdiction | CABARRUS NC |
| Township / Civil Division | 9, GEORGEVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 41602 |
Source: Cabarrus County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6495 HARBOR DR, CONCORD, NC 28025-9491 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 15, 2023 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Jan 9, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 9, 2023 |
| Transfer Doc | 0001633768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CABARRUS NC |
| Property Address | 6495 HARBOR DR, CONCORD, NC 28025-9491 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6495 HARBOR DR, CONCORD, NC 28025-9491 |
| Document Number | 0016372320 |
|---|---|
| Date | Feb 15, 2023 |
| Book Page | 16372/320 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | LOCUST, NC 28097 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 31, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CABARRUS NC |
| Recording Date | Jan 9, 2023 |
| Property Address | 6495 HARBOR DR, CONCORD, NC 28025-9491 |
| Document Number | 0001633768 |
| Book / Page | 16337 / 68 |
| Map Reference | MB 19 PG 7 |
| Instrument Date | Jan 9, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5841 SHOREVIEW DR, CONCORD, NC 28025-8428 |
| Name | Verified Name |
|---|---|
| Address | 6495 HARBOR DR, CONCORD, NC 28025-9491 |
Source: Cabarrus County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cabarrus County |
| Unified School District | Cabarrus County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $672,540 (-) Land $99,000 Building $573,540 | ||
| 2025 | $672,540 (+63.23%) Land $99,000 Building $573,540 | ||
| 2024 | $672,540 (+63.23%) Land $99,000 Building $573,540 | ||
| 2023 | $3,428.00 | $412,030 Land $45,000 Building $367,030 | $412,030 Land $45,000 Building $367,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2018–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Nov 2020 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
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